When your boss asks you to do work that you perceive to be immoral…..

Exploring the Self-Esteem Related to “Having a Job” any job…. an immoral job may backfire

We have wondered how the METABANK employees who answer the phones as customer service representatives actually feel about what they do.


Certainly they must know they are lying to people, ordinary people who are just like them.


Statistics show that bank tellers in Storm Lake Iowa earn salaries that place them below poverty level.  How desperate can these phone representatives be? Have they been so mislead that they believe in what they are doing?

If they are ignorant of what they are doing, what will it take for them to realize that they are the ones who are making METABANK’s CEOS super rich while they still live below the poverty level?

Could they understand that by lying to the customers that this is dishonest? For how long can these customer representatives going on perpetuating this lie that makes their CEOs so rich? Certainly there must be something in it for these people to lie to other people who are so much like them at the other end of the phone? What kind of “UNTRUTHS” have these METABANK phone representatives been fed so that they carry out the dirtiest job on behalf of the METABANK CEOs?

At Work: Job, self-esteem tied tightly together

Andrea Kay, Gannett12:57 p.m. EDT August 31, 2013

Feedback on the job can be a buffer against depression.

Work means so much to us Americans that without it some people don’t want to get out of bed in the morning.

That is likely one reason unemployed adults and those not working as much as they would like are twice as likely to be depressed as Americans employed full time. [Feeling stuck in a dead-end job such as being a phone representative for METABANK…. This has got to be a pathetic and hopeless situation for those who are being required to do the dirty work that makes the METABANK CEOs rich and then richer yet.]

STORY: Who’s feeling stressed? Young adults
COLUMN: Workers’ happiness rubs off on profits [ Think about this!!!!!!]

That’s the conclusion of a Jan. 1-July 25 survey of more than 100,000 Americans conducted by the Gallup-Healthways Well-Being Index. It says 16.6% of unemployed Americans are depressed compared to 5.6% of those who work full time.

“Self-esteem and self-worth are closely aligned with working,” says psychotherapist Charles Allen, who estimates about 10% of his clients are out of work or worried about losing their job.

When you have a job, you have a continuous source of feedback that you are a contributing member of society, he says. That’s not to say you go to work thinking, “Hey, I’m a valued member of society.” The idea is largely subconscious.

[But what if you are asked to harm innocent people who are just like you whom you only encounter at the other end of the phone??? That can’t feel hopeful in anyway.]

“You feel it in the depths of your brain,” he says.

Being employed helps you feel wanted and that you’re contributing to your finances, says psychotherapist Elizabeth Lombardo. It also gives you social support — “a buffer against depression.”

In his practice, psychotherapist Jonathan Alpert sees a lot of unemployed people who are depressed.

He describes them as usually feeling hopeless and helpless, their sense of identity greatly diminished.

“Employment provides a sense of purpose, … of belongingness,” he says. “Those who are unemployed lack that purpose.”

Some unemployed workers also lack structure, which leads to unhealthy habits like staying up until 3 a.m. then getting up late the next day. That “makes them feel even more different than the employed,” Alpert says.

Being depressed also can affect your ability to seek and keep a job.

Allen’s depressed clients who are unemployed “typically have tremendous difficulty in finding work because they lack energy and drive to engage in a job hunt,” he says. Their pessimism and feelings of worthlessness also contribute to the idea that they won’t find work.

When motivation plummets, you withdraw and “why bother?” prevails, Lombardo says.

A depressed person may not do well in interviews.

“Who wants to hire ‘Debbie Downer?’ ” she asks.

Some people who are depressed can have a tough time keeping a job: They take too much time off, have a lack of drive, don’t concentrate well and sometimes simply don’t care, Alpert says.

[ The term “SIMPLY DON’T CARE” highlights that some people may take a job as a phone representative at METABANK just to have a job. They may understand that what they are doing is immoral, but perceive that there aren’t many other options. This has got to be a sad state of affairs for these employees. If they could see a positive way forward, internally they may be able to ask for the right to treat others fairly…. This situation is predatory on so many levels…. Shame on METABANK CEOs who created this abhorent and offensive scenario.]

They also “often have a poor self-image and lack confidence, two factors that strongly impact job retention and performance,” he says.

Alpert says he also sees a lot of another type of depression — in people who are employed.

It “usually stems from high stress and feeling disenchanted with their job or simply unhappy with the direction their career has taken them,” he says.

Feeling stuck in a position “can bring about a sense you have no control over your situation,” Lombardo says. “Feeling powerless can cause depression. And depression can lead to getting demoted.”

Depression among those with jobs costs U.S. employers $23 billion annually in lost productivity, according to Gallup.

The survey found that depression decreases as income rises. It showed that Americans who earn less than $36,000 annually are nearly three times more likely to be depressed than those who earn more than $90,000 annually.

Depression takes a toll on a person — employed or jobless — as well as the economy.

[We find it impossible to believe that the METABANK Phone representatives who lie to customers can do this in the long term without having some feelings of remorse. We have, of course, made the assumption that they are human beings. How desperate are they that they can continue to lie to people who are a lot like them at the other end of the phone?]

It may be depressing to talk about depression. But the more we know about it and discuss it, the more likely the stigma associated with it will be reduced.  [We believe that America is a sick society at this time. It is imperative that as ordinary people that we insist on humane treatment of each other… this treatment goes both ways, you know… It is the “Golden Rule.”]

And perhaps the people who need help the most will get it.

Career consultant Andrea Kay is the author of This Is How To Get Your Next Job: An Inside Look at What Employers Really Want.


Note:  Please notice carefully where METABANK and any other Prepaid Bank Card offered places their advertisements 


Unscrupulous Banking Practices in the U.S.A. – 2013

I was suggested this website by my cousin.


I am not sure whether this post is written by him as nobody else know such detailed about my difficulty.


You’re amazing! Thanks!


We are just consumers who have been scammed by META BANK and the non-profit Network Branded Prepaid Card Association which mainly was created by META BANK.

In 2009, META BANK which is the largest provider of Prepaid Bank Cards and the NBPCA paid the most to Rupli Lobbyists in Washington, D.C. to advocate for getting all sorts of prepaid cards out on the market. If you contact your elected officials, if they ever go back to work in D.C., you must ask for better bank regulations, clarity between what is publicity and what are actually policies governing any bank product.

Once money is put on the card, it is charged fees to activate or it has hidden fees.

The problem is that cash money must be paid upfront before any services are rendered. Once META BANK and any bank following the same banking practices has their customers’ money, META BANK has full control of that customer’s money and the customer has no control of their own cash money.

The problem is that many people have been scammed in the same way by Meta Bank and then Meta Bank lies to their customer. META BANK is really a collections agency that operates in unscrupulous ways. As consumers, we have been misled by confusing and overwhelming publicity scams created by META BANK.

META BANK actually only offers the exact same scam but using different names and different publicity tactics targeted at specific customer’s achilles’ tendons, their weaknesses or their soft hearted spots just as a gimmick to get those customers to opt in to the exact same scam. The names on the cards sound like they are a different product, but they aren’t. META BANK keeps re-cycling the same old scam they perfected by beginning as a “Thrift Bank” serving the under-banked and the un-bank which translates into seeking out the most financially vulnerable people in society. The scam is to take from the poor and give to the rich CEOs of META BANK so that they can get richer and richer.

The misery that META BANK creates is immoral.

Consumers must share their experiences, expose each and every new name that Meta Bank operates with, and encourage other consumer’s to protect themselves. Our own lack of clear information, our own isolation and our own decision to opt in to products, like prepaid cards, albeit due to misleading advertising by banks like Meta Bank and by Meta Bank..

Meta Bank is really nothing more than a collections agency with very creative, overly creative, marketing practices. Meta Bank must win no matter what; you as the customer simply don’t matter. You are just a tool for Meta Bank and not another human being; Meta Bank prefers to keep that internet distance between them and their customer base so they can more easily scam you. You are not a person to Meta Bank.

Thanks for the vote of confidence, we need you to continue to speak out against the way consumers are being abused by Meta Bank and banks like Meta Bank.

Pay Power is METABANK and METABANK’s practices fail consumers repeatedly

Had METABANK not taken advantage of us, made us very vulnerable, and lied to us and to the Better Business Bureau of Des Moines, this blog would never have been created.

But the fact remains that METABANK lied to us, the partner company that sold us their product and to the BBB of Des Moines, IA. METABANK took our money, our cash money because that is the only way that a card can be loaded/re-loaded, and then kept us from having access to our own money when we needed it the most. This action made us even more vulnerable than if we had been paying directly using cash. The prepaid card only is a money making gimmick that serves to make the METABANK CEOs outrageously rich… This is not a sustainable pattern for the US Economy.

Why you don’t want a PAYPOWER VISA DEBIT issued by METABANK tm

#1 Pay Power is a METABANK product.

#2 The gimmick of attaching a direct deposit that will give you the added bonus of a $20 credit isn’t enough of an incentive given the fact that you will actually be giving complete and full control of all of your assets over to METABANK, an unknown and anonymous entity that you found online.

#3  The concept of a direct deposit is okay, but it has been so abused by METABANK that in their hands it becomes like a weapon against METABANK’s own customer base.

#4 Many customers, that is former customers of METABANK, have complained for years now that METABANK keeps them from being able to access their own money when they need it the most. METABANK’s customer representatives have lied to customers repeatedly for the reasons that the customers aren’t able to access their own money. The control that METABANK wields over their customers’ accounts has gone far beyond what can be considered normal and appropriate. METABANK’s customers are a huge cash cow for METABANK and create a “living hell” for customers who must give METABANK cash money.

#5 METABANK promises to provide safety and security, but this isn’t for their customers. METABANK is working to get safety and security for themselves. Once METABANK has control of all of your assets, your cash money, then you will discover that you can’t access your own cash money. You have been taken in by false promises.

# 6 METABANK is really a collections agency and not a bank in the sense that we have always thought of banks. METABANK relies on the consumers’ previously held impression of banks as being the safest place to keep  their money. METABANK is a Member of FDIC and that statement may lull customers into thinking that METABANK will be in a fiduciary position to protect their customers’ assets…. METABANK is not and has never been able to deliver a quality product for protecting their customer base.

#7  METABANK relies on partner companies and internet ads to get  new customers so they can keep doing the same old scam to a new batch of consumers. METABANK relies on getting a new batch of customers of whom they will then begin to take advantage for their own personal gain and at the expense and misery of the METABANK customer.

#8 Marketing strategies of METABANK involve the creation of new names for the same scam on consumers. This is one way that METABANK endeavors to get around the law… METABANK “is always one step ahead of the law.”

#9 METABANK creates all the rules governing their services or as it turns out for consumers ” a lack of real service accompanied by abuses.”

#10 METABANK helped to create the “Non-Profit” NPBCA to advocate for PREPAID CARDS in DC by using Rupli and Associates. It is a way for METABANK to make themselves appear to be legitimate…. What METABANK does with the prepaid cards is to abuse consumers. The cards are designed so that METABANK has control of your cash money. Customer Fees are attached to opening up the cards while METABANK is getting an interest Free Loan from those who can least afford to give out loans.

#11 METABANK is a “thrift bank”… This term is used to indicate the lowest level of customer service and the highest level of fees for the consumer.

#12 METABANK indicates that “No Credit Check” is required, but consumers have indicated that META BANK does a credit check anyway, but without your knowledge. METABANK is consciously looking for the more vulnerable people to give them loans at a very high interest rate.

#13 By creating a direct deposit from your salary/payroll check or government check that is affiliated with a METABANK debit card, you are becoming an economic slave for METABANK. As a consumer, you must understand that you are establishing a state of economic servitude for yourself by entering into a contract with METABANK.

#14 METABANK/NBPCA is like a Cancer: they are offering training sessions around the USA. Just look at their schedule of up-coming events. You may believe that you are not going to be affected by METABANK, but it may be that you already are one of their customers. The training sessions serve the purpose of normalizing the type of actions and the way that METABANK has scammed their customer base for a period of years now.

#15 METABANK created an organization that purportedly examines customer service and that organization gave METABANK a best customer service award…. While customers continue to complain about how they were abused and taken advantage of by METABANK.

#16  METABANK never accepts responsibility for the problems they have created for others, their own customer base. By design this cannot be a sustainable way to do business, but  in the meantime, as consumers, we don’t want to become METABANK’s next victim as their system comes to a head and fails. METABANK is using a get rich quick scheme. It is not a long term solution for any bank or their customer base.

#17 METABANK has as its parent company META PAYMENT SOLUTIONS and META FINANCIAL GROUP INC… METABANK really isn’t at its core a bank in the conventional sense that will protect their customer base’s assets in a mutually beneficial arrangement. Empty promises are used to lure in customers; METABANBK has no intention of providing those services. Years of consumer complaints have proven this to be true. METABANK advertises for employees who are willing to work in a fast paced, ever changing scenario and who can deal with angry customers. METABANK expects “angry customers” because at the heart of what they are doing, even METABANK knows what they do is a fraud and an abuse of their own customers for their own get rich quick scheme.

All that we can do is to try to warn others about this problem:

METABANK relies on the internet and partner companies to push their prepaid card.

METABANK makes promises and implies services they have no intention of ever giving their customer base.

METABANK relies on keeping their customer base at a distance. Customers have been charged for phoning METABANK. Many customers say that they get the run around from METABANK when they phone. It appears to consumers that the METABANK phone representatives have been given a list of reasons for why consumers can’t access their own money. The underlying message is always that IT IS THE CUSTOMERS’ FAULT FOR WHY THE METABANK PREPAID CARD DOESN’T WORK

METABANK has never shown any kind of real and genuine response to their customers’ complaints. The customers complain about the identical mistreatment and METABANK has never ever actually addressed their customers’ input nor their real needs. METABANK’s publicity says one thing, but the actual customer service will be totally different and horrible.

Please be advised to ” DO NOT BUSINESS WITH METABANK” or with any other bank or partner trained by METABANK

The old saying that your parents used to tell you that “just because everybody else is doing something, it doesn’t make it right”…. METABANK and the NBPCA may provide training events to promote and to normalize what they are doing, but what METABANK does and how METABANK operates is immoral and an abuse against society and humanity in general for their own personal gain… Consumers are being warned to no do business with METABANK or any entity that has been influenced by METABANK.


METABANK Scams their customers over and over again

youre not aloneyou’re not alone

Nov 14, 2009



I purchased an Only1 prepaid debit card for gasoline purchases to avoid using my bank checkcard and to pay at the pumps. The card I purchased was a $100.00 card.

The total cost was $106.00 at the register.

The following morning I tried to use the card at the pumps only to discover the card was only good for in store purchases.

I prepaid for $20.00 worth of gas and left with the intention of spending the balance immediately and eliminating the card.

Imagine my surprise when 30 minutes later I discovered the balance on the card was $5. Thats right!!! I paid $106.00 for a card with a purchase value of $25.00

Please complain to everyone , everywhere until we get the proper customer service we need as consumers….METABANK hasn’t provided proper customer service and they apparently don’t have any intention of giving proper customer service…. As consumers we must speak up for our rights!!!!!

“Membership” and “Loyality Points” are empty terms that serve to make money for METABANK, not you as a consumer

Please avoid using any product or company associated with META BANK

META BANK simply has their foot in the door at the following establishments:

Logo Companies

Please reconsider where you shop

The Corporate Psychopath: I found them at META BANK when I was one of their prepaid bank card customers

Consumers, Your help is needed to get the proper regulations in place that will actually protect you and all of us from Bank Scams

I established this blog after I had been scammed by META BANK when using their prepaid bank card.

META BANK Lied to me and I had wondered why.

Then I went online and saw that META BANK had been doing this to many other people. It was always the same scam but using different PREPAID BANK CARD names.

The scam is “To keep customer’s money from them” and “To get a free interest loan for META BANK.” That is the part that is consistent and which happens regularly with META BANK.

META BANK has created all of the rules in the fine print on their bank contract. The rules can be changed at any time and with out notice to their customer base.

META BANK began with the underbanked and used that experience to build up their repertoire for what came to be their scam pattern that they would seek to push off onto the general public. The underbanked would be the most economically vulnerable people in our society.

META BANK promises to help them to improve their credit rating by getting one of META BANK’s PREPAID CARDS and by having their payroll salary check or government check directly deposited into an associated checking account. By doing this, META BANK gets full control of all of the assets of the most financially vulnerable people in our society. Then META BANK wreaks havoc on the lives of these people who have been enticed by false and misleading promises.

Oh, it was bad enough that META BANK had scammed me, but the fact that META BANK had done this to so many people really irritated me, and that they had done this to the most vulnerable among us really upset me… so much so that I had to speak-out on their behalf in an effort to protect others from being scammed by META BANK as I had viewed was happening to so many people already.

      • Potential Corporate Partners needed to be warned about the damage that META BANK would cause them when all the while lying to those corporate partners.
      • Consumers needed to be made aware so they could protect themselves.

I don’t want what had happened to me to happen to another person and yet META BANK had actually done much worse to others. I needed consumers to speak up and to act in ways that would serve to protect them and others. We are all in this together in one great fraternity of consumers/customers of a banking system. We must help each other  because banks like META BANK have shown us that they cannot or will not serve us as they should . Given the fact that META BANK has hired lobbyists (RUPLI and Associates) to promote the PREPAID BANK CARD, we can see that META BANK has the means to serve the public, but that their interests are only in creating greater and greater wealth for their CEO’s.

Because META BANK doesn’t understand the real purpose and role in what customer service should be, as consumers/customers, we must demand bank reforms that actually protect us from Banking Practices such as those currently practiced by META BANK.

The Corporate Psychopath

By Paul Babiak, Ph.D., and Mary Ellen O’Toole, Ph.D.

© Thinkstock.com

Psychopathy is one of the most studied personality disorders. It consists of variations of 20 well-documented characteristics that form a unique human personality syndrome—the psychopath.

Many of these traits are visible to those who interact with the psychopath who possess some or all of these characteristics. For some, superficial charm and grandiose sense of self make them likable on first meeting.

Their ability to impress others with entertaining and captivating stories about their lives and accomplishments can result in instant rapport.

They often make favorable, long-lasting first impressions.

This personality disorder is a continuous variable, not a classification or distinct category, which means that not all corporate psychopaths exhibit the same behaviors.

Beneath the cleverly formed façade—typically created by psychopaths to influence their targets—is a darker side, which people eventually may suspect. ( META BANK’s advertisements were designed to address my needs as a customer, but the product really wasn’t designed to meet my needs. Then META BANK Lied to me. Is META BANK only hiring people who don’t mind lying? Certainly, after a while those people who must do the dirty work for META BANK by lying to their customer base will come to realize that they are only salaried employees and that  the CEO’s are making a real fortune from this scam. I saw the dark side of the PREPAID BANK CARDS very clearly and in a very negative way… I want to protect others.)

They can be pathological liars who con, manipulate, and deceive others for selfish means.( Wow! That is what META BANK does!!!) Some corporate psychopaths thrive on thrill seeking, bore easily, seek stimulation, and play mind games with a strong desire to win. ( MIND GAMES with a strong desire to win… That is exactly how I was treated by META BANK as their customer and why I feel so compelled to speak out to warn other consumers.)

Unlike professional athletes moved by a desire to improve performance and surpass their personal best, psychopaths are driven by what they perceive as their victims’ vulnerabilities. ( As a former META BANK customer/victim, I have observed that META BANK targets their publicity to customer’s self noted vulnerable areas… Often times, META BANK uses the customer’s desire to protect their financial welfare, promises them that security and then scams that same customer once they have possession and control of that Customer’s cash money. META BANK hasn’t improved their product to meet customer’s real needs; META BANK only changes the wording in their publicity to move the same product using a new name, but it is the same old scam all over again.)  

Little research exists on their inner psychological experiences; however, they seem to get perverted pleasure from hurting and abusing their victims. ( I believe that META BANK seeks out customer’s by making false promises and giving those potential customers misleading information to hook them in. META BANK changes their name and then does the same scam over and over again…. Of course, META BANK enjoys this scam and is indifferent to the people they scam. META BANK was indifferent to my needs as a customer and lied to me…. It was when they so boldly lied to me about many things and kept expanding the list of lies that I began to question what was really  going on within META BANK…. Then I read about Boesen and Pickhinkle, both of whom I felt got royally scammed by META BANK and then after Boesen committed suicide META BANK went after his estate. Years later META BANK was still trying to drain more assets out of the widow Boesen had left behind… I see META BANK/META FINANCIAL SYSTEMS as  a major con of our times.)

Functional magnetic resonance imaging (FMRI) research indicates that psychopaths are incapable of experiencing basic human emotions and feelings of guilt, remorse, or empathy.1  ( This is most likely the case for META BANK because once they have scammed one customer, they simply move on to the next. META BANK doesn’t learn from their mistakes so they can improve their services for their customers. OH NO!!! META BANK is inspired by their own success at lying to only lie more and to continue. The average person would feel remorse and any problems relayed to them by customers would be addressed, but META BANK only keeps doing the same scam over and over again.)

This emotional poverty often is visible in their shallow sentiment. ( Wow that described my experience with META BANK? META PAYMENT SYSTEMS which is after all really nothing but a collections agency. It had become obvious to me that to get the partner corporate entity to buy into promoting their product that META BANK had wined and dined that entity just so they could sweet talk them into scamming all of their customer base. This partnership gave META BANK full access to all of the customers with whom the partner  had been building a rapport for many years… I could no longer trust that corporate partner, and I severed all ties with them after many years as their customer… sad really… META BANK indicates that they have all of the collection aspects of the relationship in place as part of the publicity to that corporate partner… I never would have become a customer of META BANK if a trusted local partner hadn’t been the one selling me the PREPAID CARD….. META BANK had also lied to that corporate partner who initially sold me the prepaid card, but the scam was being pushed off onto me… That corporate partner wouldn’t believe that META BA NK could abuse me in such a way because the card had worked so well for them… Well, that was just apart of the bigger scam, and META BANK is a scam operation.)  

They display emotions only to manipulate individuals around them. They mimic other people’s emotional responses. Some lack realistic long-term goals, although they can describe grandiose plans. The impulsive and irresponsible psychopath lives a parasitic and predatory lifestyle, seeking out and using other people, perhaps, for money, food, shelter, sex, power, and influence.

Psychopathy is a personality disorder traditionally assessed with the Psychopathy Checklist-Revised (PCL-R).2 Often used interchangeably with psychopathy, the term sociopathy is obsolete and was removed from the Diagnostic and Statistical Manual (DSM) in 1968. Currently, there is no formal diagnosis of psychopathy in the DSM-Fourth Edition-Text Revision (DSM-IV-TR); however, it is being considered for the 2013 DSM-V list of personality disorders.


It is fascinating that psychopaths can survive and thrive in a corporate environment. Day-to-day interactions with coworkers, coupled with business policies and procedures, should make unmasking them easy, but this does not always hold true. Large companies’ command-and-control functions ought to make dealing with them simple and direct; however, this may not be the case. ( META BANK’s customer relations are convoluted. Their publicity is basically a lie. META BANK Makes money for their CEO’s who are incredibly rich!!!)

Psychopathic manipulation usually begins by creating a mask, known as psychopathic fiction, in the minds of those targeted.

( Because of the way that METABANK representatives lied to me and tried to push blame on me for their actions , which I believe were intentional that allowed META BANK to hold my $5,000.00 and to keep me from having access to my own money… I believe that there is Pschopathic manipulation present in META BANK.)

In interpersonal situations, this façade shows the psychopath as the ideal friend, lover, and partner. ( How else would such a person get by and be kept by META BANK? Also I believe that this person or group of people may actually be rather high ranking at META BANK)

These individuals excel at sizing up their prey. ( META BANK is best at studying the needs of the American Consumer and perhaps consumer’s in general and they market the identical product using many new names designed to meet the real needs of their targeted customer, but META BANK really has only one kind of prepaid bank card and META BANK retains the right to change all of the rules whenever they see fit and as often as they see fit without notice to their customers…. What kind of a real relationship is this? … The design relies on publicity targeted and crafted to appear to meet consumer’s real needs, but that is part of the scam.)

They appear to fulfill their victims’ psychological needs, much like the grooming behavior of molesters. ( META BANK says in their publicity that by using their PREPAID BANK CARDS that this is safer for customers; it isn’t safe at all for customers given how META BANK takes over and fully controls a customer’s money and keeps the customer from being able to access their own cash money while META BANK has free use of the customer’s money; in this way the PREPAID BANK CARD works like an interest free loan to META BANK while doing nothing at all to protect consumers…. META BANK gets corporate partners to market their card for them, most likely with promises of increased revenue, but that partner corporation will lose their former customer base who will find that META BANK is impossible to deal with. META BANK has obviously courted those corporate partners. Their employees are issued gift cards, and then asked to push the prepaid cards to their customer base. For the employees they can honestly say that the cards work quite well because for them they do. So they can sell the cards with a straight face and with great sincerity. The customers who are issued prepaid cards that may look like those that the employees have are actually issued prepaid cards with a different numbers and the contact phone number on the back will bring each to their designated customer service representative. The customers will find great difficulty using the cards and in dealing with META BANK who has told customers that they haven’t used the card correctly… this has been repeated over and over again per customer’s online complaints to that effect.)

Although they sometimes appear too good to be true, this persona typically is too grand to resist. They play into people’s basic desire to meet the right person—someone who values them for themselves, wants to have a close relationship, and is different from others who have disappointed them. ( Wow!!! This is even how META BANK’s PREPAID CARD Publicity reads… Customers are studied and then marketed to based on those customer’s most vulnerable areas what ever they are because META BANK has a card for all of those vulnerable areas. Actually the card is the same; the publicity for the card is modified to appear to meet the needs of the customer. It has always been the same prepaid card that META BANK has offered just with a new name.)

Belief in the realism of this personality can lead the individual to form a psychopathic bond with the perpetrator on intellectual, emotional, and physical levels. At this point, the target is hooked and now has become a psychopathic victim.

Corporate psychopaths use the ability to hide their true selves in plain sight and display desirable personality traits to the business world. To do this, they maintain multiple masks at length. (I had wondered how this worked, but it would seem that the people who are behind the scam by which META BANK operates may convey a very congenial face to the world or they send a newly hired employee to speak to the public… that new employee doesn’t even know that what they have been given to say is a con and that they have been given only partial information… SEE: LISA BINDER who spoke to the press about the Dubai Assassination Using a  META BANK PREPAID CARD. )

The façade they establish with coworkers and management is that of the ideal employee and future leader. This can prove effective, particularly in organizations experiencing turmoil and seeking a “knight in shining armor” to fix the company. ( This knight in shining armor must exude confidence that draws people to them… I feel so sorry for the employees of META BANK… Pickhinkle is in prison for bank fraud/embezzlement or CD fraud, but what were her supervisors doing while she did this scam? I think that she was as much a victim as the enactor of the crime… just my opinion from the outside looking in. She indicated at her trial that she was following directions… I believe her.)


How is it possible for psychopaths to fool business-savvy executives and employers?

They often use conning skills during interviews to convince their hiring managers that they have the potential for promotion and the knowledge, skills, and abilities to do an outstanding job. ( It may be in the very higher/higher eschelon of META BANK where the con actually began, but the way META BANK’s operates is a scam of their customer base through the use of misleading information, publicity that has little basis in facts and by lying to their customer base, per my own experience.)

Using their lying skills, they may create phony resumes and fictitious work experience to further their claims. They may manipulate others to act as references. Credentials, such as diplomas, performance awards, and trophies, often are fabricated.

“Psychopathic manipulation usually begins by creating a mask,known as a psychopathic fiction, in the minds of those targeted.”

Once inside the organization, corporate psychopaths capitalize on others’ expectations of a commendable employee.

( I believe that META BANK does this through employee reward systems)

Coworkers and managers may misread superficial charm as charisma, a desirable leadership trait. A psychopath’s grandiose talk can resemble self-confidence, while subtle conning and manipulation often suggest influence and persuasion skills.

Sometimes psychopaths’ thrill-seeking behavior and impulsivity are mistaken for high energy and enthusiasm, action orientation, and the ability to multitask. ( Meta Bank advertises for employees who can work in a fast changing and fast paced work environment…. no mention is made of honesty, integrity or the ability to work well with their customer base…. META BANK’s value system is skewed.)

To the organization, these individuals’ irresponsibility may give the appearance of a risk-taking and entrepreneurial spirit—highly prized in today’s fast-paced business environment. Lack of realistic goal setting combined with grandiose statements can be misinterpreted as visionary and strategic thinking ability; both are rare and sought after by senior management. An inability to feel emotions may be disguised as the capability to make tough decisions and stay calm in the heat of battle.


Evidence suggests that when participating in teams, corporate psychopaths’ behaviors can wreak havoc.

In departments managed by psychopaths, their conduct decreases productivity and morale. These issues can have a severe impact on a company’s business performance. ( I had felt that the reason that METABANK employees lied to me, bold and brazenly lied to me as their customer originated in the higher ranks among their CEO’s. The mind set is a really sick one at META BANK that would permit them to lie to their customer in such a brazen way…. Had they never seen that they were lying? META BANK had mailed me a check at my home address and then said that I ( pleased note that META BANK was pushing the blame off on the consumer/customer base) had never given them my address. META BANK had a canceled check with my correct mailing address on it… Why did META BANK feel the need to lie? I saw through the lie, but once META BANK has your money, you have lost all control and even complete accessibility to your own money.)

There also is the risk for economic crimes to be committed. For the corporate executive and the criminal justice professional, the issue is the possibility of fraud. ( It was clear to me that META BANK had designed the prepaid bank card as a way to keep money from consumers. The way that the idea was put in place was to scam their customer base rather than to serve them… META BANK’s mindset is really sick.)

Today’s corporate psychopath may be highly educated—several with Ph.D., M.D., and J.D. degrees have been studied—and capable of circumventing financial controls and successfully passing corporate audits.( META BANK’s corporate pyschopath may actually have a law degree and be dedicated exclusively to pushing META BANK’s agenda.)


Investigators should familiarize themselves with the typical traits and characteristics of psychopaths. They must understand the manipulation techniques used to create and manage the psychopathic bonds established with victim organizations. ( I can assure you as a former META BANK customer that there is something very wrong with the way that META BANK does business. The red flag for me was META BANK’s desire to push the blame off on me and to boldly lie to me… there is something very sick in the dynamics and internal practices at META BANK.)

Their reputations, as judged by those in power with whom they have bonded, known as patrons, often provide added protection from closer investigation.

As a result, the investigator may need to build a case with management for the use and broad application of more sophisticated techniques.

Psychopaths can be expert liars often immune to traditional deception-revealing techniques. Some practice avoiding detection in anticipation of being caught and interrogated. Therefore, investigators independently should corroborate any information provided by these individuals.3

Psychopaths often compartmentalize their behavior, enabling them to present themselves differently to various people. ( META BANK obviously wined and dined their partner corporations in order to get those partner corporations to push their META BANK PREPAID CARD. As a META BANK PREPAID CARD HOLDER, I was taken advantage of and misused.Because of this, I feel compelled to speak out  to try to protect other consumers.)

This can help them hide their manipulation and control over victims.(META BANK wanted and wants full control of customer’s money. It is an interest free loan to META BANK. META BANK has offered classes to other banks to show them how to do this same scam. Then if they are all doing it and basically they all need to do it in order to be able to survive, it may appear that the underlying principles of the META BANK CARD are usual and normal, but in reality it is only an expansion of the same scam. This time, since “Everybody is doing it” there is an added sense of legitimacy to the original scam.)

Coworkers may have knowledge or suspicions about the psychopath’s actions that can be useful to the investigator. However, they either may fear repercussions or fall under the influence of the psychopathic bond. (I don’t know what the deal is at META BANK internally, but from what I have observed, there is a major problem. META BANK needs for others to imitate their practices when in fact these practices are very harmful to the general public.)  

If investigators establish rapport and trust with coworkers, information that will make their work easier may be forthcoming. The difficulty comes when these associates are persons of interest. Fortunately, some companies have hotlines for employees to report coworker fraud and other complaints. This information provides an invaluable source of leads.

Corporate psychopaths with exceptional verbal skills make crafty interviewees.( I have felt that META BANK is very skilled at creating publicity on line… it is just too good to be true that any entity could actually meet a customer’s real needs. META BANK has customers self identify according to their own perception of their most vulnerable places. Then META BANK sells the same prepaid bank card using a new name but the same old prepaid bank card after hooking the customer.)  

This ability provides an opportunity embraced by many of them to fool law enforcement officers. In these cases, investigators should proceed with caution.4 Specific interview strategies should focus on exposing psychopaths’ vulnerabilities. Possession of a sense of superiority and lack of empathy can enable them to boast about the brilliance of their latest fraud scheme. They often believe that only someone equal in intelligence to them could understand their actions. Strategies specifically designed to elicit such boasting can result in a wealth of information for the investigator.

Corporate psychopaths are successful because they single out and isolate their targets.(META BANK’s customers are often sought out online and never come face to face with META BANK employees. Frequently META BANK customers must pay extra to phone META BANK . I was handed from one person to the next after having been put on hold. The scale of META BANK’s scam, by using many different names, is great and therefore a serious problem.)

They sometimes manipulate several victims at the same time. Investigators never should assume they are immune to a psychopath’s approach. One conversation may be enough for the bond to be established. Investigators must know themselves so that psychopaths’ attempts at bonding fail. It is valuable for investigators to allow psychopaths to believe they have established rapport with someone inside law enforcement.

psychopaths use the ability to hide their
true selves in plain
sight and display
desirable personality
traits to the
business world.”

Investigators must work as a team, communicate openly, and take all observations seriously. This is necessary for personal self-defense, proficient investigative work, and successful prosecution.

Officers must take heed to avoid being impressed with a suspect’s credentials and success. ( I think that META BANK has given large amounts of cash to re-election campaigns in Iowa to buy some credibility.)

Occasionally, when psychopathic white-collar offenders are identified, they seek out the media and give interviews. They may believe their skills of persuasion are effective enough to convince the public that they have done nothing wrong and are being targeted unjustly by law enforcement. To prevent serious problems with the investigation and prosecution, investigators must remain prepared for all possibilities.


Psychopathy, one of the most studied personality disorders, can cause numerous problems for investigators. Therefore, law enforcement officers must become familiar with psychopaths’ traits and characteristics, prevent psychopathic bonds from forming, corroborate information, and take all observations seriously. Investigators must know themselves, work together, communicate with one another openly, and be prepared to deal with the corporate psychopath.


1 Functional magnetic resonance imaging (FMRI) registers blood flow to functioning areas of the brain.

2 Hare’s Psychopathy Checklist-Revised (PCL-R) is an assessment tool. Psychopathy, as determined by the PCL-R, is indicated by an overall score of 30 or above out of a possible 40. Many point configurations could result in the overall score, determined by adding up the total points for each of the 20 individually listed traits.

3 Research on psychopathy and lie-detection equipment has yielded conflicting results and remains inconclusive.

4 Once established that a perpetrator truly is a psychopath, reviewing the videotaped interrogation can be a lesson in their subtle, yet sophisticated manipulation techniques. This is the same method used by psychopathy researchers.

Additional Resources
P. Babiak, “When Psychopaths Go to Work,” Applied Psychology: An International Review 44, no. 2 (1995): 171-188
P. Babiak, “Psychopathic Manipulation at Work,” in ed., C.B. Gacono, The Clinical and Forensic Assessment of Psychopathy: A Practitioner’s Guide (Mahwah, NJ: Erlbaum, 2000): 287–311
P. Babiak and R.D. Hare, Snakes in Suits: When Psychopaths Go to Work (New York, NY: Harper/Collins, 2006)
P. Babiak, “From Darkness into the Light: Psychopathy in Industrial and Organization Psychology,” in ed., H. Hervé and J. Yuille, The Psychopath: Theory, Research, and
Practice (Mahwah, NJ: Lawrence Erlbaum and Associates, 2007)
P. Babiak, C.S. Neumann, and R.D. Hare, “Corporate Psychopathy: Talking the Walk,” Behavioral Sciences and the Law, 28, no. 2 (2010): 174-193
H. Cleckley, The Mask of Sanity (St Louis, MO: Mosby, 1982)
J. Coid, M. Freestone, S. Ullrich, “Subtypes of Psychopathy in the British Household Population: Findings from the National Household Survey of Psychiatric Morbidity,”
Soc Psychiatry Psychiatra Epidemiol 47, no. 6 (2012): 879-891
R.D. Hare, Without Conscience: The Disturbing World of the Psychopaths Among Us (New York, NY: Guilford Press, 1999)
R.D. Hare, Hare Psychopathy Checklist Revised, 2nd ed. (Toronto, ON:
Multi-Health Systems, 2003)
M.E. O’Toole, “Psychopathy as a Behavior Classification System for Violent and
Serial Crime Scenes,” in ed., H. Hervé and J. Yuille, The Psychopath: Theory, Research, and Practice (Mahwah, NJ: Lawrence Erlbaum and Associates, 2007): 301-325